Brooklyn Area Chamber of Commerce (EIN 382411086) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2000

Legal Domicile

Principal Officer

Cindy M Hubbell

Phone

5175928907

Tax Period

2025-01-01 to 2025-12-31

Brooklyn Area Chamber of Commerce, founded in 2000, is a small nonprofit that reported $173K in total revenue in fiscal year 2025. Expenses of $212K exceeded revenue, resulting in a 23% operating deficit.

Mission

To promote local businesses and non-profits

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $73,624

Program Service Revenue $45,556

Investment Income $0

Other Revenue $53,793

TOTAL REVENUE $172,973

Expense Breakdown

Grants Paid $0

Salaries & Benefits $121,429

Fundraising Expenses $0

Other Expenses $90,656

TOTAL EXPENSES $212,085

Year-over-Year Comparison

	2025	2024	Change
Revenue	$172,973	$166,117	+0.0%
Expenses	$212,085	$228,792	-0.1%
Net Income	$-39,112	$-62,675	-0.4%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

N/A

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Cindy Hubbell	Executive Director	035.00	Highest	$55,735	$0	$55,735
Justin Gifford	Chair of the Board	003.00	Director	$0	$0	$0
Patrick Spensley	Vice Chair	002.00	Director	$0	$0	$0
Bart Vermilya	Secretary	002.00	Director	$0	$0	$0
Angela Jeffrey	Treasurer	002.00	Director	$0	$0	$0
Daniel Ross	Director	002.00	Director	$0	$0	$0
Benjamin Hicks	Director	002.00	Director	$0	$0	$0
Rene Kullman	Director	002.00	Director	$0	$0	$0
Holly Griewahn	Director	002.00	Director	$0	$0	$0
Dennis Worden	Director	002.00	Director	$0	$0	$0
Matt Swartzlander	Director	002.00	Director	$0	$0	$0
Ken Gauci Jr	Director	002.00	Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$172,973	$212,085	$9,882	$-39,112
2024	$166,117	$228,792	$43,937	$-62,675
2023	$148,652	$228,222	$100,941	$-79,570
2022	$131,476	$162,225	$196,650	$-30,749
2021	$281,801	$133,418	$227,399	$148,383
2020	$118,872	$139,827	$79,016	$-20,955
2019	$129,325	$115,964	No data	$13,361

Brooklyn Area Chamber of Commerce